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Loanscope We make complex simple! A great outcome with the least effort! It's a tailored, personalised approach (the opposite to "one size fits all!).

Whether you are a first home buyer, upgrading, refinancing, a property investor, or looking for an SMSF loan, Loanscope will search for the loan options that best suit your situation. We take the time to find out what's important to you. With access to 30 lenders and over 600 products, Loanscope has access into the home and commercial finance market, combined with the expertise to make thorough comparisons between products. Once we've found the right options available, we will help you to compare them from an expert's perspective. With the correct product identified, we will manage the complicated and time-consuming application process through to settlement, keeping you fully informed along the way. These elements of our service will save you an enormous amount of time, energy and stress! It's quite simply, the most efficient and effective way of getting a competitive priced home loan tailored to your needs and goals. Loanscope has a strong commitment to ensuring the interests of our clients are our number one priority. We provide advise with Integrity and ethics guide us in everything we do. So talk to 10 different banks, or talk to us!

Property prices are no longer the biggest obstacle facing buyers of established homes – a positive sign for those lookin...
18/10/2026

Property prices are no longer the biggest obstacle facing buyers of established homes – a positive sign for those looking to enter the market.

According to NAB's Q3 2026 Residential Property Survey, property prices have fallen to fourth place on the list of constraints facing buyers.

Interest rates are now the biggest hurdle, followed by access to credit and returns available on alternative investments.

With property prices easing, you can focus more on the things you have some control over: your finances.

That means understanding your borrowing capacity, setting a realistic budget, comparing lenders and choosing a loan structure that suits your circumstances.

You can't control interest rates or property prices, but you can take steps to get your finances organised before you start looking.



Thinking about buying as property prices fall? Loanscope can help you understand your borrowing capacity and finance options. Visit loanscope.com.au or call 03 9988 1818.

If you’re a doctor, lawyer or other eligible professional looking to upsize, you may be able to buy your next home with ...
15/10/2026

If you’re a doctor, lawyer or other eligible professional looking to upsize, you may be able to buy your next home with less than a 20% deposit without paying lender’s mortgage insurance (LMI).

LMI is insurance that protects the lender if you can’t repay your loan and the property sale doesn’t cover the debt. It’s generally charged when you borrow more than 80% of a property’s value and can add thousands of dollars to the cost of buying.

The good news is that some lenders waive LMI for eligible professionals, including certain doctors and lawyers, at higher loan-to-value ratios.

And LMI waivers are not restricted to first home buyers. For an upsizer, that could mean putting less of the proceeds from your current home into the next property and retaining more cash for renovations, purchasing costs or as a buffer.

Policies vary by lender, including maximum loan sizes, so check before you set your budget.



Planning your next move? Loanscope can check whether you qualify for a professional LMI waiver and help you compare your options. Visit loanscope.com.au or call 03 9988 1818.

Property prices have now fallen for six consecutive months nationally. For buyers, that changes some of the numbers invo...
13/10/2026

Property prices have now fallen for six consecutive months nationally. For buyers, that changes some of the numbers involved in purchasing a home.

Cotality’s Home Value Index fell 1.1% in September, taking national dwelling values 5.2% below their March peak.

At the same time, properties are taking longer to sell and total advertised stock across the capitals is 23.1% higher than a year ago. This is giving buyers more choice and greater scope to negotiate.

Lower prices can reduce the deposit required for a particular property. But higher interest rates have also reduced borrowing capacity, so a cheaper property doesn’t automatically mean it has become more affordable to finance.

Understanding both sides of that equation can help you work out what the changing market means for your own buying position.



Thinking about buying as property prices fall? Loanscope can help you understand your borrowing capacity and finance options. Visit loanscope.com.au or call 03 9988 1818.

If you own an investment property in Melbourne, the rent and mortgage repayments aren't the only numbers you need to fac...
11/10/2026

If you own an investment property in Melbourne, the rent and mortgage repayments aren't the only numbers you need to factor into your cash flow.

Victoria’s rental rules are continuing to change, with more requirements taking effect from tomorrow, 13 October.

Rental providers will need to arrange gas and electrical safety checks every two years for all rental properties and keep records showing the property met minimum standards before it was advertised, offered or occupied.

Further costs could be on the horizon. New minimum energy-efficiency standards start being phased in from March 2027, covering heating, cooling, hot water, showerheads, ceiling insulation and draughtproofing.

For investors, these requirements are another reminder that the cost of holding a rental property extends well beyond the loan repayment. Maintenance, insurance, rates, property management and compliance costs all need to be factored in when assessing cash flow.

Building these items into your cash flow assumptions now gives you a clearer view of a property's true return before you commit to a purchase or a refinance.



Planning an investment purchase or reviewing your portfolio? The Loanscope team can help you factor in the full costs. Visit loanscope.com.au or call 03 9988 1818.

If you run a business, owning the premises you operate from can have some obvious attractions. But the business itself d...
08/10/2026

If you run a business, owning the premises you operate from can have some obvious attractions. But the business itself doesn’t necessarily have to own the property.

One option is for your self-managed superannuation fund (SMSF) to own the premises and lease them to your business. That means rent is paid into your SMSF, where it contributes to the fund’s investment returns.

There are strict rules:

* The property must generally qualify as ‘business real property’, used wholly and exclusively in one or more businesses
* The arrangement must be on arm’s-length terms, structured as it would be between unrelated parties
* Your business must pay market-rate rent

Getting any of this wrong can put your fund’s compliance status at risk, with real consequences for its tax treatment. This isn't tax or investment advice, so it’s worth checking with your accountant or financial adviser before proceeding.

But if the structure does suit your circumstances, it can let you build a retirement asset while securing premises for your business. Specialist commercial SMSF finance may be available if your fund needs to borrow for the purchase.



Considering buying your business premises through your SMSF? Loanscope can help you understand the finance options. Visit loanscope.com.au or call 03 9988 1818.

Building approvals might not seem particularly relevant when you’re searching for a home. They don’t tell you what your ...
06/10/2026

Building approvals might not seem particularly relevant when you’re searching for a home. They don’t tell you what your next property will cost or how much you can borrow.

But they can tell you something about the market you could be buying into.

Take the latest results, for instance. According to the Australian Bureau of Statistics, the total number of dwellings approved for construction nationally in August was 16,953 – 6.1% less than in July.

So why should you care?

A building approval is permission for construction to begin, so approval numbers can provide an early indication of how much new housing may be coming through the pipeline.

When you look at that alongside other data like population growth and migration, you can start to see how balanced the market is. Approvals keeping up with the number of people requiring homes will likely mean less competition for housing and therefore, less upward pressure on property prices.

Of course, approvals are just that – approvals. They are not completed homes and a dwelling still has some way to go before it is adding to supply. But keeping track of the pipeline can help buyers understand where future housing supply may be tight or more readily available and factor that into their property research.



Planning a purchase? Loanscope can help you understand the finance side of the equation. Visit loanscope.com.au or call 03 9988 1818.

Headline inflation has jumped to 4%. So does that mean another interest rate rise is coming? Not necessarily. The latest...
04/10/2026

Headline inflation has jumped to 4%. So does that mean another interest rate rise is coming?

Not necessarily.

The latest Australian Bureau of Statistics data showed annual inflation rose from 3.5% in July to 4.0% in August. Housing was the biggest contributor, while a 14.8% monthly increase in automotive fuel prices also pushed the headline figure higher.

However, trimmed mean inflation – which strips out some volatile price movements like fuel – remained at 3.6% for the third consecutive month.

That leaves the November cash rate decision finely balanced. Currently, Westpac expects another increase, while CBA expects the Reserve Bank of Australia (RBA) to hold.

For borrowers, the next move remains uncertain. Rather than trying to predict it, understanding how your finances would look under different rate scenarios can help you prepare for either outcome.



Want to understand what different interest rates could mean for your mortgage? Speak to Loanscope on 03 9988 1818 or visit loanscope.com.au.

Buying your next home before selling your current one sounds straightforward, until you think about how you’re going to ...
01/10/2026

Buying your next home before selling your current one sounds straightforward, until you think about how you’re going to fund both at once.

A bridging loan is designed for exactly this situation. It lets you access the equity in your current home to help fund the purchase of a new one, with the expectation that your existing property will be sold and the proceeds used to reduce your debt.

Depending on the lender and loan structure, interest on the bridging finance may be capitalised during this period rather than requiring you to make full repayments on the combined debt.

The trade-off is timing pressure. Most bridging loans come with a set period, often six to twelve months, in which to sell your existing home. If it takes longer than expected, the costs can add up quickly.

For buyers who don’t want to sell first and risk missing out on the right next home, a bridging loan can offer some breathing room, provided the numbers stack up.



Found your next home but haven’t sold your current place yet? Loanscope may be able to help you access a bridging loan. Visit loanscope.com.au or call 03 9988 1818.

Yesterday’s interest rate rise is a reminder that your mortgage can be affected by events happening thousands of kilomet...
29/09/2026

Yesterday’s interest rate rise is a reminder that your mortgage can be affected by events happening thousands of kilometres away.

The Reserve Bank of Australia (RBA) increased the cash rate by 0.25 percentage points to 4.60%.

One reason was the ongoing conflict in the Middle East. The RBA said disruptions to global oil supply are pushing up energy prices, with higher fuel costs starting to flow through to the prices of other goods and services.

Domestic inflation pressures are also playing a role, leaving the RBA concerned that high inflation could become embedded.

As a borrower, you can’t control global energy markets or the cash rate. What you can control is how your home loan is structured and whether it remains competitive as conditions change. At a time when the interest rate outlook remains uncertain, Loanscope can review your current loan, compare your options and help you make informed decisions about what to do next.



Wondering how the latest increase affects your home loan? Speak to the Loanscope team about your options. Visit loanscope.com.au or call 03 9988 1818.

Being priced out of one location doesn’t necessarily mean a client needs to give up on buying a house. Domain’s latest M...
27/09/2026

Being priced out of one location doesn’t necessarily mean a client needs to give up on buying a house.

Domain’s latest Matching Demand Report highlights how differently search and listing prices can align across a city.

In Melbourne’s inner ring, the median upper price buyers search for is $1.1 million, while the median house listing price is $1.54 million. But in the middle and outer rings, buyers are searching for higher prices than the actual median listing price.

As an accountant, you may have clients reconsidering a property purchase because the houses they want seem out of reach. But the Domain research suggests that broadening their search to different locations could change what’s possible.

A mortgage broker can complement the work you’re already doing by helping establish how much they can actually borrow and what that means for their property search.



Have a client reassessing their property plans? Introduce them to the Loanscope team on 03 9988 1818 or at loanscope.com.au.

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